with Mf is it the same as diablo 2?
if I have complete Mf gear but don't hit the mob last the Mf gear will have no effect? or because it's personal loot will it work no matter what?
From what I understand, it averages out. If there's 2 people in a group, one having 40%MF, the other 100%MF then each kill will give a 70%MF bonus.